Medicare Advantage Plans are a type of Medicare coverage you that bundles many of the Gap, Drug and other Supplemental individual insurance coverage that you may be covered by now or may be examining for yourself. Unlike when you had insurance via your employer and your policy had to cover you and all of your dependents, Medicare covers just you. That means that you can select a plan that covers the medications you actually take and addresses the health needs that are uniquely your own.
Many people enjoy having one comprehensive policy that includes the care provisions that they are most likely to use. For many Retirees, the extra benefits added to Advantage Plans enable them to maintain gym memberships and other health promotion access that you may have been using before your retired.
Identifying the best one for your specific health needs is where Professional Benefit Solutions can help!
All Retiree Insurance Options
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Medicare Part A is for everyone! We can help you sign up about 90 days before you turn age 65. We'll also help you choose the right Supplemental Policy to cover the items Medicare doesn't, such as routine visits to your health care provider, your prescriptions, medical co-pays and more so there there are never any surprises!
Medicare Advantage Plans combine many of the insurance products you had when you were working. It could include dental or vision care along with pharmacy co-pays. Once we understand what types of coverage you need, we can help you decide whether an Advantage Plan may make more sense than buying supplements individually. Of course, we'll need to make sure that the medications you need are covered by the plan you are choosing!
Basic Medicare does not include trips to an eye doctor, yet checkups are needed annually to maintain eye health. Glasses need to be kept up to date, and the necessity for cataract surgery develop. During the open enrollment period, let us help you select the right Vision Care Policy that will cover the types of eye care you'll require as your eye health needs change.
Life Insurance needs change as your need to provide for loved ones evolves over time. Maybe you have already paid off your mortgage. or maybe you owe less. Maybe you have other loans that you want to make sure your family is able to pay off should something happen to you. Perhaps you want the peace of mind in knowing your final expenses are covered. Maybe you want to leave funds for your grandchildren to go to college or to assist them as they start their adult lives. Whatever your life story – and the love story you want to leave for your loved ones – Professional Benefit Solutions can help.
Nobody really wants to move to assisted living or need nursing home care. Nobody really wants home health services. Sadly, about 70% of us will require nursing home, skilled care or home health care during their life times. Long Term Care Insurance has become one of the most important investments in keeping families financially secure and assets protected. We'll help you find a plan that protects your assets and give you peace of mind.
Without Dental Insurance, a trip to the dentist can be a very expensive experience. While Dental coverage is not included in your Medicare Plan, you do have the option of purchasing a policy to cover dental care. Rest easy knowing that a Dental policy covers two annual visits to the dentist, routine x-rays and fillings along with some of the more extensive contingencies that face you as your teeth age.
How does Medicare work?
Medicare Part A, B, D & Gaps
Everyone MUST sign up for Medicare Part A when you turn 65 – whether you are retiring or not. The government gives your 90 days before the first day of your birth month and 90 days after the first day of your birth month to get this done. AND the good news is that it is a quick online process to get your Part A application done.
BUT if you are retiring, You need to think about the rest of the coverage that you need! Medicare Part A covers ONLY the care you receive as an admitted patient in a hospital.
So what about your doctor visits and your medication coverage? That’s where Professional Benefit Solutions can help you select your Part B (outpatient care) and Part D (medication coverage) and other Gap insurance coverages that protect you from co-pays and deductibles.
Created by the major insurance companies you already know, Medicare Advantage Plans look a lot like the types of policies you may have had when you were working.
Some are PPOs or MCOs or fee-for-service.
When you were still covered by insurance from your employer you had a “one size fits all” plan. Everyone shared the same benefits for health insurance. Medicare Plans are a little different. They add different benefits and have different drug coverage which are important for you to review before you pick a plan.
For instance, it is important to make sure that the medications you take are covered by the plan and that the plan offers the best network for the care you actually use.
Professional Benefit Solutions will help you review the plans to make sure that you get the best plan to meet your unique needs.
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